A consumer advocacy group has filed a lawsuit to block insurers from charging California customers for $500 million in costs associated with the January Los Angeles wildfires. The state’s insurer of last resort, known as the FAIR Plan, says it needs a $1 billion bailout to cover costs from the fire. The state’s insurance commissioner has ordered the costs to be split by insurers and their customers. Consumer Watchdog says the insurance department didn’t follow the proper process for setting those rules. The department says the lawsuit could make California’s home insurance crisis worse.